Thanks for all of the good info.But i dont have renters insurance yet,but my guns are not in my house they are at my parents in my dads safe,and insurance company will not insure his house because it dont have gutters and it has no railing on the porch and it is heated by wood stove and they wont approve the chimney,so cant get insurance were they are at..But i think that the NRA insurace is sounding pretty good..What do you mean Pawildman when you said that it is buildable?Forgive my ignorance on the issue i am just 19.The guns i have that i want to insure are:Marlin 336c 30-30 Marlin 1894 44 magMarlin 17V .17 Colt AR-15 Mossberg 835 Ulti-mag Remington 700 30-06 Springfield 1911-A1 45acp..When you get insurance from NRA do they appriase the guns that you want to insure and you buy the amount that the guns are worth or do you just buy a set amount of insurance..Also all of my guns are not in my name because i started buying them when i was 16,we put them in my moms name.Would that make a difference or do i need to switch them to my name??